Open enrollment is bullshit that, as someone who has access to healthcare through work, is my nearly constant hassle with insurance outside of getting insurance to actually pay for anything outside of preventative medicine. I don’t think that’s a unique take or some kind of revelation - being forced into a few week long window to be forced to choose a single plan for your family is pretty easy when you work for a large company that basically gives 1-2 options anyways and employs people to help with the process, but working for a small company trying to have insurance benefits that compete with large companies offers more variety and a labyrinth of options. Many times it’s made worse by using a third party HR company, which as you might imagine make money by not being helpful.
And what’s worse is that as far as I can tell, the reason for open enrollment is to make accounting easier, despite a typo potentially leaving you without insurance for a full year - which has now officially happened to my family twice. At least this time it’s just dental insurance and not health insurance like years ago.
Anyway, I’m still furious after getting off the phone with my third party HR firm again about this and I was hoping maybe someone could explain how open enrollment is a good system or just complain along with me.